Job Description :
An Analystwithin WCS:
· Independently prepares credit analysis on assigned portfolio of clients (covering macro overview, industry/sector, competitor, business, financial and credit analysis)
· Appraises new transaction request from Bankers and prepares detailed on boarding notes/ approval memos with necessary financial modelling
· Executes new transaction requests end to end, including setting up the facility in credit systems, coordinating with middle office and covenant tracking
· Presents quarterly and annual risk reviews and tiering analyses
· Reviews and assigns risk ratings and maintains updated credit research on their portfolio of clients
· Monitors a portfolio of client credit exposures, across industry classes, on an ongoing basis
· Supports due diligence on capital market transactions for clients under coverage
· Assists in negotiating and finalizing documentation for loans and derivatives
· Interacts with key stakeholders including client coverage and product bankers
What we look for in strong candidates:
· MBA from Top Tier B-School or professional qualification in Accountancy
· Excellent academic track record; strong finance and analytical skills
· Relevant credit / research experience
· Clear grasp of Corporate Finance concepts and their application
· Robust understanding of Financial Statements including Ratio Analysis, Cash Flow Analysis, Accounting Standards, Accounting treatment and Financial Adjustments
· Good knowledge of credit analysis techniques and process & multiple industry sectors
· Strong communication (oral and written) and interpersonal skills; ability to effectively interact & build positive relationships with key stakeholders (across LOBs)
· Ability to work proactively & independently as well as in a team environment
· Deadline orientation; organized and responsible; high attention-to-details
· Proficient in the use of MS Word, Excel and Power Point
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